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Credit Cards · Wichita Falls, Texas

Best Credit Union Credit Card Rates in Wichita Falls, Texas

4 credit unions in Wichita Falls report credit card APRs to the NCUA. Rates range from 8.79% to 15.98%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

8.79%

Lowest Card APR

11.69%

City Average APR

Credit Card APRs — Wichita Falls, Texas

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1WICHITA FALLS TEACHERS

★ 4.3 · 19 reviews

8.79%9.79%
2WICHITA FALLS

★ 4.3 · 26 reviews

9.00%11.32%
3MIDWESTERN STATE UNIVERSITY

★ 4.3 · 4 reviews

13.00%8.75%
4UNION SQUARE

★ 4.2 · 137 reviews

15.98%14.00%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Wichita Falls could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Wichita Falls credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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